Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #20887295
Navy Federal Credit Union Accused of Reporting Incorrect Account Information
Complaint Overview
Complaint ID: 20887295
Company: Navy Federal Credit Union
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: California
ZIP Code: 92571
Date Received: 2026-04-02T12:00:00-05:00
Date Sent to Company: 2026-04-02T12:00:00-05:00
Company Response: In progress
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Risk Assessment
Risk Level: medium
Incorrect information on a credit report can negatively impact a consumer's ability to obtain credit, loans, or housing.
Consumer Sentiment: negative
Topics: Credit Reporting, Consumer Protection, Navy Federal Credit Union
AI Analysis
CFPB complaint 20887295 was filed against NAVY FEDERAL CREDIT UNION regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A consumer is disputing incorrect account information on their credit report with Navy Federal Credit Union. The complaint was received on April 2, 2026 from California. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports and dispute any inaccuracies with both the credit bureau and the creditor.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit bureaus and furnishers of information to ensure accuracy and investigate disputes.
Regulatory Insight
Furnishers like Navy Federal Credit Union must have reasonable procedures to prevent and correct reporting errors.
Resolution Likelihood
mixed
State-Specific Consumer Protections
California consumers have rights under state law to dispute credit report errors, in addition to federal protections.
Industry Comparison
Disputes over incorrect account information are common in the credit reporting industry, affecting many financial institutions.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20887295 about?
CFPB complaint 20887295 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Account information incorrect". This complaint was filed against NAVY FEDERAL CREDIT UNION on April 2, 2026.
Which company is complaint 20887295 filed against?
Complaint 20887295 was filed against NAVY FEDERAL CREDIT UNION. You can view all complaints against this company on their profile page at /company/navy-federal-credit-union.
What was the company's response to complaint 20887295?
NAVY FEDERAL CREDIT UNION responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 20887295 filed?
Complaint 20887295 was received by the CFPB on April 2, 2026. It was sent to NAVY FEDERAL CREDIT UNION on April 2, 2026.
What state was complaint 20887295 filed from?
Complaint 20887295 was filed from California. You can view all complaints from this state at /state/CA.
Was the consumer satisfied with the resolution of complaint 20887295?
Dispute information is not available for complaint 20887295.
What product category is complaint 20887295 about?
Complaint 20887295 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.
How was complaint 20887295 submitted?
Complaint 20887295 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 20887295?
The Fair Credit Reporting Act (FCRA) requires credit bureaus and furnishers of information to ensure accuracy and investigate disputes. This relates to a Credit reporting or other personal consumer reports complaint against NAVY FEDERAL CREDIT UNION involving "Incorrect information on your report".
How likely is complaint 20887295 to be resolved?
Resolution likelihood: mixed. The company's current response is "In progress". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 20887295?
This complaint is rated as medium risk. Incorrect information on a credit report can negatively impact a consumer's ability to obtain credit, loans, or housing.
What regulatory actions apply to complaint 20887295?
Furnishers like Navy Federal Credit Union must have reasonable procedures to prevent and correct reporting errors. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.
What should the consumer do about complaint 20887295?
Consumers should regularly review their credit reports and dispute any inaccuracies with both the credit bureau and the creditor.
Are there state-specific protections for complaint 20887295?
California consumers have rights under state law to dispute credit report errors, in addition to federal protections. This complaint was filed from California.
How does complaint 20887295 compare to industry norms?
Disputes over incorrect account information are common in the credit reporting industry, affecting many financial institutions.
What steps should a consumer take if Navy Federal Credit Union fails to correct the incorrect information?
If the dispute is not resolved satisfactorily, the consumer can file a complaint with the CFPB and potentially pursue legal action under the FCRA.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.